pb4uski
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
The minimum loss ratio restriction was in its infancy when I retired but I recall hearing about some vigorous debates as to what was included or not but there were well established and detailed rules on what is included in various lines under regulatory accounting and the debate was over which of those count as claims and what does not. So I concede that there is probably some wiggle room but probably not a lot given well established regulatory reporting guidance.